XL Group Ltd

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XL : NYSE : Financial
$39.83 | %
Today's Range: 39.73 - 40.29
Avg. Daily Volume: 1533600.0
03/24/17 - 4:02 PM ET

Financial Analysis


XL GROUP LTD's gross profit margin for the fourth quarter of its fiscal year 2016 is essentially unchanged when compared to the same period a year ago. The company managed to grow both sales and net income at a faster pace than the average competitor in its industry this quarter as compared to the same quarter a year ago.

During the same period, stockholders' equity ("net worth") has decreased by 6.32% from the same quarter last year.

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Income Statement Q4 FY16 Q4 FY15
Net Sales ($mil)2843.322620.98
EBITDA ($mil)511.64475.37
EBIT ($mil)414.0286.42
Net Income ($mil)304.7228.55


Balance Sheet Q4 FY16 Q4 FY15
Cash & Equiv. ($mil)6490.816291.07
Total Assets ($mil)58434.158682.94
Total Debt ($mil)2737.582758.77
Equity ($mil)10938.5111677.08


Profitability Q4 FY16 Q4 FY15
Gross Profit Margin17.9918.14
EBITDA Margin17.9918.13
Operating Margin14.5610.93
Sales Turnover0.180.16
Return on Assets0.752.05
Return on Equity4.0310.33
Debt Q4 FY16 Q4 FY15
Current Ratio0.00.0
Debt/Capital0.20.19
Interest Expense52.2852.18
Interest Coverage7.925.49


Share Data Q4 FY16 Q4 FY15
Shares outstanding (mil)266.89294.75
Div / share0.20.2
EPS1.120.76
Book value / share40.9939.62
Institutional Own % n/a n/a
Avg Daily Volume1531709.02236984.0

Valuation


BUY. The current P/E ratio indicates a premium compared to an average of 23.66 for the Insurance industry and a value on par with the S&P 500 average of 26.33. Conducting a second comparison, its price-to-book ratio of 0.97 indicates a significant discount versus the S&P 500 average of 2.93 and a discount versus the industry average of 1.80. The current price-to-sales ratio is well below the S&P 500 average and is also below the industry average, indicating a discount.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
XL 25.13 Peers 23.66   XL 11.65 Peers 11.75

Average. An average P/E ratio can signify an industry neutral price for a stock and an average growth expectation.

XL is trading at a valuation on par with its peers.

 

Average. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

XL is trading at a valuation on par to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
XL 9.99 Peers 15.01   XL 0.23 Peers 1.48

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

XL is trading at a discount to its peers.

 

Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

XL trades at a significant discount to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
XL 0.97 Peers 1.80   XL -61.22 Peers -9.54

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

XL is trading at a significant discount to its peers.

 

Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, XL is expected to significantly trail its peers on the basis of its earnings growth rate.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
XL 1.02 Peers 1.43   XL 13.42 Peers 15.12

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

XL is trading at a significant discount to its industry on this measurement.

 

Lower. A sales growth rate that trails the industry implies that a company is losing market share.

XL trails its peers on the basis of sales growth

 

 

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